According to Vibes.okdiario, Following the announcement of the 2025 Cost-of-Living Adjustment (COLA) for Social Security benefits, there are additional updates that SSDI recipients eager to work should be aware of, particularly regarding the new thresholds for Substantial Gainful Activity (SGA).
SSDI COLA Increase for 2025
All SSDI recipients will receive a 2.5% increase in their benefits, effective January 2025. The average check will rise to approximately $1,580, up from $1,542. To determine your exact benefit amount and ensure it does not exceed the threshold following the increase, be sure to check your My Social Security account.
SSDI and the 2025 Substantial Gainful Activity Thresholds
For non-blind disability recipients, the new Substantial Gainful Activity threshold will see an increase of $70. For blind recipients, the threshold will rise to $2,700, reflecting a boost of $110. Additionally, the Trial Work Period (TWP) threshold will be $1,160 in 2025, up from $1,110 in 2024.
2025 SGA and TWP Thresholds
Substantial Gainful Activity (SGA):
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- Non-Blind: $1,550 per month in 2024; $1,620 per month in 2025.
- Blind: $2,590 per month in 2024; $2,700 per month in 2025.
Trial Work Period (TWP):
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- $1,110 per month in 2024; $1,160 per month in 2025.
Understanding Substantial Gainful Activity (SGA) for SSDI Recipients
Substantial Gainful Activity (SGA) refers to the earnings level set by the Social Security Administration that determines eligibility for disability benefits.
Eligibility Criteria for SSDI Benefits
To qualify for SSDI benefits, an individual cannot engage in SGA, meaning that if their earnings exceed the SGA limits, they cannot receive disability benefits.
It’s important to note that blind individuals have a higher SGA amount compared to non-blind recipients. The SGA thresholds are adjusted annually based on the increase in the national average wage index.
Distinction Between SGA for Blind and Non-Blind Recipients
- SGA for the Blind: Applies only to Social Security benefits, not to Supplemental Security Income (SSI) benefits.
- SGA for Non-Blind Disabled: This applies to both Social Security and SSI benefits.
Conclusion
As SSDI recipients navigate the changes brought by the 2025 COLA and new SGA thresholds, it’s crucial to stay informed about eligibility criteria and income limits. By understanding these updates, recipients can better plan for their financial futures while remaining compliant with Social Security regulations.
